Findependent Erfahrungen 2025 – Review
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Findependent is a recent Robo-advisor. They only started in 2021. But they have some interesting characteristics already. They have been growing fast since their creation.
Findependent aims to provide a simple service for everyone to invest in and to make that service affordable.
This review will cover all there is to know about Findependent and its pros and cons. By the end of this review, you should know whether to use Findependent.
| Management fee | 0.40% |
|---|---|
| Product Costs | 0.16% |
| Withholding Costs | 0.15% |
| Total Costs | 0.71% |
| Investing strategy | Passive |
| Investing products | ETFs |
| Minimum investment | 500 CHF |
| Currency conversion | 0.50% |
| Customization | Good |
| Sustainable | ESG ETFs |
| Languages | German, French, and English |
| Custody bank | Hypothekarbank Lenzburg |
| Users | 20’000 |
| Established | 2021 |
| Headquarters | Lenzburg, Aargau, Switzerland |
Findependent
Findependent ist ein sehr günstig Robo-Advisor mit einem nachhaltigen Fokus, der das Investieren einfach machen will. Nutzen Sie code PoorSwiss, um 20 CHF zu erhalten.
- Niedrige Gebühren
Findependent started offering its services in 2021. So, they are a very recent addition to the Robo-advisors. They are a Swiss Robo-advisor founded by a previous employee of Neon, Matthias Bryner.
Findependent aims to provide a simple service that is available to many people so they can invest their money in the stock market in the long term. They want a simple digital solution like Neon does for the banking system.
In addition, they want to provide an affordable service, so the fees are very fair.
While new, they had already attracted more than 600 customers in September 2021 and are seeing excellent growth. In December 2021, they even reached 2000 customers! As of October 2023, they had reached 7000 customers, which is quite impressive. And as of May 2025, they have more than 20’000 customers, with 250 million of CHF of assets under management.
They also secured a 1.2 million CHF financing round in July 2022, which is great news for the startup.
To open an account with Findependent, you will need at least 500 CHF. 500 CHF is an excellent minimum, the lowest among Swiss Robo-advisor. And below 2000 CHF, your account will be cheaper (details later on).
Only Swiss residents at least 18 can open an account with Findependent. Moreover, they must only be liable for taxes in Switzerland.
Onboarding can be done entirely from the application, which is available in French, German, and English—remarkable for being available in all major languages.
Investing Strategy
Findependent has a relatively standard investing strategy, using index ETFs for each portfolio.
They have four different strategies available for their customers:
- Careful: 20% in stocks, 58% in bonds, 10% in real estate, 10% in precious metals, 2% in cash
- Cautious: 40% in stocks, 43% in bonds, 10% in real estate, 5% in precious metals, 2% in cash
- Balanced: 60% in stocks, 28% in bonds, 10% in real estate, 2% in cash
- Brave: 80% in stocks, 8% in bonds, 10% in real estate, 2% in cash
- Risk-Taker: 98% in stocks, 2% in cash
These are good strategies. It would be slightly better to choose the bonds and real estate allocation. For instance, I prefer a proper 80/20 portfolio rather than an 80/8 plus some real estate. But I do not believe this will make a very significant difference. The 98% stocks portfolio does not have a real estate allocation, which is excellent.
I wish we could go to 99% stocks. Ideally, we would like 100% stocks, but no Robo-advisor currently allows this because they need some cash to pay the fees. But 98% in stocks is already excellent.
When you open an account, they will ask you the usual questions to guess your risk capacity. With this information, they will propose one of the four portfolios. However, you can decide yourself if you disagree with their recommendations.
For these portfolios, Findependent uses 9 Exchange-Traded Funds (ETFs). All the ETFs they use are physically replicating ETFs, which is great. And Findependent is very transparent and shares the exact ETFs they are using for each of their portfolios.
As an example, we can look at the composition of the 98% stocks portfolio:
- 29.4% iShares Core SPI (TER 0.10%)
- 9.8% UBS SPI Mid(TER 0.25%)
- 30.4% iShares MSCI USA ESG (TER 0.07%)
- 12.7% iShares MSCI Europe ESG (TER 0.12%)
- 4.9% iShares MSCI Japan ESG (TER 0.15%)
- 10.8% iShares MSCI Emerging Markets ESG (TER 0.18%)
While it could be simpler, this portfolio is quite solid. The allocations make sense, and they are using relatively cheap ETFs. In total, the TER of this portfolio is about 0.12%, which is very reasonable.
However, you may have noticed that they force you into ESG ETFs. ESG stands for Environmental, Social, and Governance. An ESG ETF is one of the ways to invest sustainably. They are not bad ETFs at all. If you want to invest sustainably, Findependent is excellent.
However, I wish Findependent would give their users the choice of investing in ESG ETFs. These ETFs are biased against some companies, and we do not know whether this will perform better.
On average, sustainable ETFs are pricier than the standard ETFs. So, for me, a Robo-advisor should let its customers choose whether they want to use them. It is still important to mention that the ETFs chosen by Findependent are fairly priced. So, this is an affordable way to invest sustainably.
Fortunately, Findependent also lets you create a custom strategy, and you can select the ETFs you want there. More about that in the next section.
Furthermore, this portfolio has a strong bias towards Switzerland, with almost 40% invested in Swiss Stocks. This is too much home bias for most people, and I wish we could configure that.
Interestingly, you will only have access to 5 ETFs if you have less than 2000 CHF in your account. In that case, you will not have emerging markets, such as Japanese and medium-cap Swiss companies, in your portfolio (in the most aggressive portfolio).
Findependent executes stock operations once a day. So, your money will be invested once and possibly rebalanced once a day if needed.
With Findependent, you can have several portfolios. This can be very useful if you invest towards different goals, and you have to have them separated.
You can also create portfolios for your children. This is a great feature that few services have in Switzerland. Once your children are 18, you can transfer the portfolio for free to their Findependent account. It is important to note that the child portfolio remains in your name legally. So, when your children reach 18, you can still choose whether to transfer it now or later, you are not forced to transfer it at 18.
Custom Portfolio
The second option with Findependent is to create a custom portfolio. You have considerable freedom to make exactly what you want. Of course, you need to know a little about what you are doing to have a well-diversified portfolio for the long term.
To create your custom portfolio, you can pick about 40 ETFs. They have an excellent choice with standard ETFs, ESG ETFs, and SRI ETFs. These ETFs are all European ETFs and are generally low-cost.
It is worth mentioning that you can also invest in cryptocurrencies through a Physical Bitcoin Exchange Traded Product (ETP).
Each ETF has a maximum weight, so you have some limits. But these limits make sense. For instance, you cannot invest more than 50% in the SPI index, making sense for diversification. On the other hand, you can invest 100% in VWRL, a world ETF. You are almost limited to a maximum of 10% in Bitcoin and 20% in gold.
It is important to note that custom portfolios are only available starting from 5000 CHF. Below that, you will have to use Findependent portfolios.
Overall, I like their concepts of custom portfolios. It allows ETF investing easily.
Deposits and withdrawals
When you want to start investing, you must fund your account.
As mentioned, you will need 500 CHF in your account to start. And below 2000 CHF, you will only have access to a subset of ETFs, but you will have lower fees.
You can only deposit money in CHF, like with most Robo-advisors. And you need to deposit money from an account in your name for security reasons.
The principle for withdrawals is the same: you can withdraw money at any time but only to an account in your name.
Findependent Fees
I say this in every review: investing fees are very important. If you are a long-term investor, you need to minimize fees. This is especially true if you are a passive index investor, where fees are the best lever at your disposal to increase your returns in the long term.
With that said, we will delve into Findependent’s fees.
Findependent charges a 0.40% fee on your assets, billed quarterly. So, if you have 10’000 CHF with them, you will pay 44 CHF per year. Starting In June 2023, the fees are reduced if you have more money:
- From 50’000 CHF: 0.38%
- From 150’000 CHF: 0.35%
- From: 250’000 CHF: 0.33%
- From 500’000 CHF: 0.31%
- From 1’000’000 CHF: 0.29%
This tiered system is excellent! Over time, you can reduce your fees significantly as your portfolio grows.
On top of that, several fees are not included:
- The ETF costs between 0.12% and 0.23% per year.
- The foreign currency exchange fee of 0.50% per conversion. This expensive fee can weigh quickly on your total costs.
- The stock exchange fees of about 0.015% for each transaction.
- The stamp duties of 0.15% on foreign securities and 0.075% on Swiss securities.
The most aggressive portfolio will be charged a 0.52% fee per year based on your assets. The other fees will depend on how much you invest. This base fee is outstanding. If you have an extensive portfolio, you can reduce these fees by up to 0.11%!
Depending on what you invest, these fees can quickly add up. Each investment (and withdrawal) on the aggressive portfolio will add up to about 0.38%. These are not negligible fees, but management fees are much more important than one-time costs in the long term. And some costs will also arise when rebalancing hits.
Interestingly, the 0.40% fee will be free below 2000 CHF. This free investment option can be great for testing Findependent without paying high fees. If you have a small to medium account, this 2000 CHF managed for free can make a significant difference. However, if you have a large account, it will not much of a difference.
Is it safe?
If you want to invest money online, ensuring it is safe first is essential.
Looking at the regulations, we can see that Findependent is well-regulated in Switzerland. Moreover, they are a member of The Financial Services Standards Association (VQF) and the Industry Organization for Independent Asset Managers (BOVV). These are important compliance organizations that ensure that financial advisors are doing a proper job with your money.
Findependent is depositing your money and shares at Hypothekarbank Lenzburg (HBL), the same bank Neon uses. With that, deposit protection will guarantee your liquidity up to 100’000 CHF. And your shares are deposited in your name. So, in case of either Findependent or HBL bankruptcy, you should be able to recover your shares.
Unfortunately, Findependent does not share much information about technical security on its website. I wish they would communicate more about that.
You can (and should) add a second factor of authentication (2FA) to your account. Findependent supports the standard authenticator apps for 2FA. 2FA is critical for your online security.
However, one great thing about their security is that you can only deposit money into an account in your name, which improves security.
So, overall, I would say Findependent is as safe as other Swiss Robo-advisors. I wish they shared more information on their website about technical security.
Findependent reputation
It is essential to look at a service’s reputation before considering using it.
Out of 102 reviews on Google, Findependent got 4.9 stars out of 5 stars review. This is a great score, even for such a young company. People seem happy about the fees and the service’s ease of use.
However, we must mention that most people share their referral code there. But it is good to see that there are no bad reviews.
Findependent has 37 reviews on Trustpilot, with an average 4.8 stars out of 5. They also have 4.8 out of 5 stars on the Apple Store out of more than 850 reviews. Finally, they have a 4.8 rating out of 5 on the Google Play store out of more than 500 reviews.
Overall, Findependent has an excellent reputation among its users. Their average rating of 4.8 is much higher than the industry average!
Alternatives to Findependent
When considering an investment service, you must check how it compares with other alternatives.
Findependent vs Finpension Invest
Ein ausgezeichneter und innovativer Robo-Advisor von Finpension.
- Der steuereffizienteste Robo-Advisor
- Zugang zu privaten Märkten
Finpension originally started with retirement accounts, but now has its investment service.
Finpension uses ETFs for stocks and index funds for bonds, while Findependent uses ETFs only.
Finpension Invest has a 0.39% management fee, very similar to the 0.40% of Findependent. The product costs of Finpension Invest are lower (0.10%) than the average product costs of Findependent (0.16%). However, Findependent has degressive fees, which could make them cheaper than Finpension at high level of wealth.
Both services let you do custom portfolios, but you have more freedom with Finpension Invest, with more funds to choose from.
Overall, Finpension Invest is cheaper than Findependent unless you have a significant amount of wealth. They both have a good feature set and allow for aggressive investing.
Findependent vs True Wealth
TrueWealth ist ein hervorragender Schweizer Robo-Advisor mit sehr erschwinglichen Preisen, was ihn zum besten Robo-Advisor für seriöse Anleger macht.
- Sehr anpassbar
True Wealth is another very affordable Robo-advisor. Both Robo-advisors use Exchange Traded Funds (ETFs) for investing.
True Wealth has a 0.50% management fee against 0.40% for Findependent. Additionally, you will pay the product costs of the ETFs, which should be pretty similar on both sides.
This makes Findependent cheaper than True Wealth. Both Robo-advisors have a degressive pricing system, but in most cases, Findependent will be cheaper.
On the ease-of-use side, Findependent is likely slightly easier to use than True Wealth. However, True Wealth has more customization options. And with True Wealth, you can easily choose whether you want sustainable options.
You can start using Findependent with 500 CHF only. The minimum to start using True Wealth is much higher, at 8000 CHF.
Overall, if you want the cheapest option, you should use Findependent. True Wealth is an excellent alternative if you want more customization or a more established service.
You can read my True Wealth review for more details.
Findependent vs Selma
Investieren Sie ganz einfach mit Selma: eine großartige Möglichkeit, in den Aktienmarkt zu investieren, ohne sich selbst darum kümmern zu müssen.
- Einsteigerfreundlich
- Degressive Gebühren
Selma is a very simple Robo-advisor. Their philosophy is to make investing as simple as possible. Both Selma and Findependent use ETFs to invest. With Selma, you can pick between sustainable and standard investments.
Selma charges a 0.68% management fee. In addition, you will pay standard costs for the ETFs, like for Findependent. Since Findependent has only a 0.40% management fee, it is significantly cheaper than Selma.
Selma will likely be slightly easier to use than Findependent, but not by a large margin.
Overall, Findependent will be a cheaper option than Selma. Unless you want something even simpler, the fees are sufficiently cheaper to make Findependent better than Selma.
FAQ
Wie hoch ist die Mindesteinlage für Findependent?
Sie müssen mindestens 500 CHF auf Ihrem Konto haben.
Wie viele Portfolios können Sie mit Findependent haben?
Sie können so viele Portfolios haben, wie Sie wollen, aber es gibt einen Mindestbetrag für jedes Portfolio, der investiert werden muss.
Können Sie ein individuelles Portfolio mit Findependent haben?
Ja, Sie können ein individuelles Portfolio erstellen, indem Sie zwischen ETFs wählen. Sie benötigen jedoch mindestens 5000 CHF, um diese Option zu aktivieren.
Können Sie mit Findependent nachhaltig investieren?
Ja. Standardmäßig werden bei jeder Anlagelösung nur nachhaltige ETFs eingesetzt. Wenn Sie sich für eine maßgeschneiderte Anlagelösung entscheiden, können Sie sich gegen nachhaltiges Investieren entscheiden.
Wie hoch sind die Gebühren, die Sie bei Findependent zahlen?
Die Basisverwaltungsgebühr beträgt 0,40% pro Jahr. Diese Gebühr sinkt, je mehr Sie in Ihr Portfolio investieren. Zusätzlich zu dieser Verwaltungsgebühr müssen Sie Produktkosten bezahlen.
Für wen ist Findependent gut?
Findependent ist ein guter Robo-Advisor, wenn Sie mit geringen Gebühren in nachhaltige ETFs investieren wollen.
Für wen ist Findependent nicht geeignet?
Findependent ist nicht gut, wenn Sie nicht standardmäßig in ESG-ETFs investieren wollen. Es ist auch nicht gut, wenn Sie nur Dienste nutzen wollen, die von vielen Kunden genutzt werden.
Suchabhängige Zusammenfassung
Suchabhängig
Findependent ist ein neuer Schweizer Robo-Advisor aus dem Jahr 2021. Ihr Ziel ist es, vielen Anlegern einen einfachen Service zu bieten.
Pruduktmarke: Suchabhängig
4.5
Vorteile
- Gute Verwaltungs- und Verwahrungsgebühren;
- Sehr transparent in Bezug auf ihre Gebühren;
- Gestaffelte Preise;
- Annehmbare Gebühren;
- Benutzerdefinierte Portfolios;
- Sie können bereits ab 500 CHF investieren;
- Unter 2000 CHF entfallen die Verwaltungs- und Depotgebühren;
- Sie können nur Geld auf ein Konto abheben, das auf Ihren Namen lautet;
- Ordnungsgemäß geregelt;
- Verfügbar in Deutsch, Englisch und Französisch;
- Unterstützung für ordnungsgemäße Zwei-Faktor-Authentifizierung;
Nachteile
- Sehr neue Plattform;
- Nur auf dem Handy verfügbar: keine Web-App;
- Starke Tendenz zu Schweizer Aktien in Standardportfolios;
Schlussfolgerung
Findependent ist ein sehr günstig Robo-Advisor mit einem nachhaltigen Fokus, der das Investieren einfach machen will. Nutzen Sie code PoorSwiss, um 20 CHF zu erhalten.
- Niedrige Gebühren
Insgesamt ist Findependent ein sehr interessanter Robo-Advisor. Sie haben eine ausgezeichnete Anlagestrategie und sehr faire Gebühren. Der Einstieg ist auch deshalb so einfach, weil der Mindestbetrag von 500 CHF sehr niedrig ist (2000 CHF für den Zugang zu allen ETFs).
Die Standardportfolios investieren alle in ESG-ETFs. Wenn Sie mehr Freiheit wünschen, können Sie individuelle ETF-Portfolios erstellen, in denen Sie jeden ETF direkt auswählen können.
Und die sehr erschwingliche Verwaltungsgebühr von 0,44 % macht Findependent zu einer ausgezeichneten Option für nachhaltige Investitionen oder für ein individuelles ETF-Portfolio.
Der einzige Nachteil von Findependent ist ihr junges Alter. Aber sie haben bereits mehr als 7000 Nutzer. Das Feedback dieser Nutzer ist hervorragend. Es scheint also eine gute Wahl zu sein, mit einem Robo-Advisor zu investieren.
Ich muss erwähnen, dass ich nicht in Robo-Advisors investiere. Stattdessen investiere ich direkt über ein Maklerkonto, was viel billiger ist und mir viel mehr Anpassungsmöglichkeiten bietet. Aber nicht jeder möchte die Zeit investieren, um selbst zu investieren, und das ist der Punkt, an dem Robo-Advisors interessant sind.
Wenn Sie mehr erfahren möchten, können Sie meinen Artikel über Schweizer Robo-Advisors lesen.
Was ist mit Ihnen? Was halten Sie von Findependent?
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